Loan programs

Bay Area offers move fast, and a strong pre-approval is what keeps yours competitive. We work through your income, assets and credit up front so that when you find the house, the financing is already settled.

• Pre-approval letters, usually within a business day
• Conventional, FHA and VA options compared side by side
• Down payments from 3% on qualifying conventional loans
• Straight answers on what you can actually afford

Ask about Home purchase Start an application

A refinance is worth doing when the numbers say so and not before. We run the break-even honestly — including closing costs — and tell you when the answer is to leave your current loan alone.

• Rate-and-term refinancing to cut the monthly payment
• Shorter terms for borrowers who want the loan gone sooner
• Dropping mortgage insurance once equity supports it
• A clear break-even figure before you commit

Ask about Refinance Start an application

Across much of the Bay Area a perfectly ordinary house needs a jumbo loan. Guidelines are tighter on reserves and documentation, so the work is in preparing the file properly before it goes to underwriting.

• Financing above county conforming limits
• Guidance on reserve and documentation requirements
• Options for self-employed and equity-compensated borrowers
• Access to multiple wholesale jumbo investors

Ask about Jumbo loans Start an application

Cash-out replaces your existing mortgage with a larger one and returns the difference to you. It is a good tool for a renovation or consolidating expensive debt, and a poor one for covering a shortfall — we will say which of the two we think you are looking at.

• Fund a remodel without a second loan
• Consolidate higher-interest balances into one payment
• Understand exactly what it costs over the life of the loan
• Compare against a HELOC before deciding

Ask about Cash-out refinance Start an application

FHA loans open the door for borrowers with thinner credit or smaller savings. VA loans remain one of the best deals in lending for those who have earned them, with no down payment and no monthly mortgage insurance.

• FHA down payments from 3.5%
• VA purchase and refinance with no down payment
• More forgiving credit guidelines than conventional
• Help assembling a Certificate of Eligibility

Ask about FHA & VA loans Start an application

Construction lending works differently from a purchase: the money is released in stages as the work is inspected and signed off, and the loan is underwritten against what the finished property will be worth rather than what stands there today. We handle the draw schedule and the lender coordination so the builder is paid on time.

• Construction-to-permanent, converting to a standard mortgage at completion
• Renovation financing based on the after-improved value
• Draw schedules managed alongside your builder and the inspector
• Ground-up builds and major additions on land you already own

Ask about Construction loans Start an application

A reverse mortgage lets an older homeowner draw on equity without selling and without a monthly mortgage payment. The balance grows over time rather than shrinking, and becomes due when the last borrower sells, moves out permanently, or passes away. You keep title throughout, and you remain responsible for property taxes, homeowners insurance and upkeep — falling behind on those can trigger the loan. It suits some households very well and is wrong for others, and we will tell you plainly which we think you are.

• FHA-insured HECM, and proprietary options above the FHA limit
• Take it as a lump sum, monthly income, or a growing line of credit
• No monthly mortgage payment for as long as you live in the home
• Independent HUD-approved counseling is required, and we will help you arrange it

A reverse mortgage is a loan secured against your home and must be repaid. The balance increases over time as interest and fees accrue. You must be at least 62, occupy the home as your principal residence, and keep property taxes, homeowners insurance and required maintenance current — failing to do so may cause the loan to become due and payable. The loan becomes due when the last surviving borrower sells, permanently moves out, or dies, and repayment may reduce the equity available to your heirs. Independent counseling from a HUD-approved agency is required before an application can proceed. This is not a government benefit and is not endorsed by HUD or FHA.

Ask about Reverse mortgages Start an application

Rental financing is priced and underwritten differently from a primary residence. We work with the rental income, reserve and down-payment rules so the deal pencils before you are in contract.

• One to four unit residential properties
• Second homes and vacation properties
• Counting rental income toward qualifying
• Portfolio options when agency guidelines do not fit

Ask about Investment property Start an application